¡Pon un control presupuestario en tu vida!

Para unos es el comienzo de una nueva fase en su vida. Inician su vida laboral y de repente se encuentran con una cantidad de dinero que jamás habían tenido. Otros, ya llevan tiempo en el mercado laboral, pero son incapaces de ahorrar. Y también, existe un grupo más desfavorecido de personas que tienen dificultades para llegar a fin de mes.

Situaciones diferentes, pero con un patrón común: Nadie les han enseñado a cómo administrar y gestionar su dinero, ni a tomar decisiones acerca de sus finanzas.

Por una razón u otra, ese problema no entiende de clases sociales. Creemos que la problemática reside principalmente en nuestros ingresos, pero la historia parece ser otra.

Si te pregunto ¿cuánto ingresas? Seguramente seas capaz de decirme una cifra muy aproximada a la realidad. Pero si te pregunto ¿Cuánto gastas y en qué?, ya empieza a surgir la duda. Algunos no tendrán ni la menor idea de a dónde van a parar sus ingresos, y otros, dirán una cantidad que seguramente difiera mucho de la realidad.

EL CONTROL PRESUPUESTARIO

El control presupuestario es uno de los pilares fundamentales dentro de las finanzas de una persona. Lo podemos comparar con los cimientos de una casa. Es la base fundamental para lograr unas finanzas personales saneadas y sacarle todo el partido a nuestro dinero.

Control presupuestario

Pero… ¿Qué es llevar a cabo un control presupuestario?

Se trata de anotar los ingresos y gastos que tenemos durante un periodo de tiempo determinado, normalmente un mes. Básicamente es controlar que no gastemos más de lo que ingresamos. Es decir, no vivir por encima de nuestras posibilidades. Algo lógico, ¿no crees?

El presupuesto está compuesto por dos variables: INGRESOS y GASTOS. Creemos erróneamente que todos nuestros males provienen de nuestros ingresos. Incluso nos autoengañamos con excusas tales ¡Si cobrase más, todos mis problemas se solucionarían! Para algunas circunstancias puede ser la solución, pero para la gran mayoría de los mortales, el problema radica principalmente en los gastos.

El control presupuestario es una herramienta básica para tomar las riendas de nuestras finanzas. Como todo hábito, los inicios pueden resultar algo difíciles y requieren de cierto tiempo. ¡Pero, os puedo asegurar que el premio final merece la pena!

¿Quieres saber a dónde va a parar el dinero que consigues con tu tiempo y sudor?, ¿Estas cansado/a de llegar con dificultades a fin de mes?, ¿Deseas realmente cambiar tu situación financiera? ¡Todo cambio comienza con un PRIMER PASO!

¡Pon un control presupuestario en tu vida!

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